Temperatures have plummeted across Victoria and winds have picked up, leaving the state freezing and wild on Wednesday morning.

Winds of about 90km/h have thrashed bayside suburbs, and paramedics attended two crashes in which trees fell across over the road overnight.

A car hit a tree on Seven Mile Road at Nar Nar Goon just before 5am Wednesday morning, the female driver was flown to hospital in Melbourne with head and back injuries after she was trapped in her car for an hour.

Eight hours earlier a man was injured when his car hit a tree on the Murray Valley Highway at Koetong, he was taken to Albury Base Hospital in a stable conditions.

“Paramedics urge drivers to take care and adjust their driving to the conditions, given the potential for fallen trees, black ice and snow on the roads,” an Ambulance Victoria spokesperson said.

By 6am Wednesday, Melbourne was at its minimum of 5 degrees – while Frankston was at 6.7 degrees – though it felt like -4 degrees.